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If you would like for us to explore other carriers, please ask. Term Life Insurance — Provides coverage for a fixed duration of time e. Is A Medical Exam Required? Whole Life Insurance — These policies guarantee coverage up to a certain age usually age 95 or and provide cash value, which means that they can be liquidated for cash in the event the insurance is no longer needed. Here are the steps a life insurance buyer typically undertakes to obtain life insurance: There are four parts to a life insurance contract: The policy only pays a death benefit if the insured individual dies before the policy expires.

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